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Health insurance is complicated, but you don't have to figure it out alone. Understanding terms and definitions is important when comparing health insurance plans. When you know more about health insurance, it can be much easier to make the right choice for you and your family. A common question when it comes to health insurance is, "Who pays for what?" Health insurance plans are very diverse and depending on your plan, you can have different types of cost-sharing: the cost of a medical visit or procedure an insured person shares with their insurance company. Two common examples of cost-sharing are copayments and coinsurance. You've likely heard both terms, but what are they and how are they different? Copayments Copayments (or copays) are typically a fixed dollar amount the insured person pays for their visit or procedure. They are a standard part of many health insurance plans and are usually collected for services like doctor visits or prescription drugs. For example: You go to the doctor because you are feeling sick. Your insurance policy states that you have a $20 copay for doctor office visits. You pay your $20 copay at the time of service and see the doctor. Coinsurance This is typically a percentage of the total cost of a visit or procedure. Like copays, coinsurance is a standard form of cost-sharing found in many insurance plans. For example: After a fall, you require crutches while you heal. Your coinsurance for durable medical equipment, like crutches, is 20% of the total cost. The crutches cost $50, so your insurance company will pay $40, or 80%, of the total cost. You will be billed $10 for your 20% coinsurance.

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Health insurance might be one of the most complicated purchases you will make throughout your life, so it is important to understand the terms and definitions insurance companies use. Keep these in mind as you are comparing health insurance plan options to choose the right plan for you and make the most of your health insurance benefits. One area of health insurance that can cause confusion is the difference between a plan's deductible and out-of-pocket maximum. They both represent points at which the insurance company starts paying for covered services, but what are they and how do they work? What is a deductible? A deductible is the dollar amount you pay to healthcare providers for covered services each year before insurance pays for services, other than preventive care. After you pay your deductible, you usually pay only a copayment (copay) or coinsurance for covered services. Your insurance company pays the rest. Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles. What is the out-of-pocket maximum? An out-of-pocket maximum is the most you or your family will pay for covered services in a calendar year. It combines deductibles and cost-sharing costs (coinsurance and copays). The out-of-pocket maximum does not include costs you paid for insurance premiums, costs for not-covered services or services received out-of-network.  Here's an example: You get into an accident and go to the emergency room. Your insurance policy has a $1,000 deductible and an out-of-pocket maximum of $4,500. You pay the $1,000 deductible to the hospital before your insurance company will pay for any of the covered services you need. If you received services at the hospital that exceed $1,000, the insurance company will pay the covered charges because you have met your deductible for the year. The $1,000 you paid goes toward your out-of-pocket maximum, leaving you with $3,500 left to pay on copays and coinsurance for the rest of the calendar year. If you need services at the emergency room or any other covered services in the future, you will still have to pay the copay or coinsurance amount included in your policy, which goes toward your out-of-pocket maximum. If you reach your out-of-pocket maximum, you will no longer pay copays or coinsurance and your insurance will pay for all of the covered services you require for the rest of the calendar year.

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When finding a provider to receive your health services, you've probably heard the terms "in-network" and "out-of-network" when it comes to your health plan. But what do these terms mean for a patient? And why should you be aware if a provider is out-of-network? What does it mean when a provider is "in-network" with a health plan? A provider is a person or facility that provides healthcare. When a provider is in-network it means there is a contractual agreement with that health plan regarding the rates for services. The provider will accept negotiated rates for services from the insurance. This means a patient will typically pay less for medical services received and is less likely to receive surprise bills. What does it mean when a provider is "out-of-network" with a health plan? Providers that are out-of-network are those that do not participate in that health plan's network. The provider is not contracted with the health insurance plan to accepted negotiated rates. This mean that patients will typically pay more or the full amount for the service they receive. Why should patients see in-network providers? Seeing an in-network provider for medical services can significantly reduce your medical expenses. Remember that in-network providers have a contractual agreement for negotiated rates with the health plan, so they cannot charge you more than that negotiated rate for a service. Seeing an in-network provider will always ensure any costs you do incur (copays or co-insurance) are applied to your health plan's deductible and out-of-pocket maximum (out-of-network costs don't apply to these amounts). To find the amounts you will pay for specific services, you can check your health insurance plan's Summary of Benefits. What is the best way to find which providers are in-network with a patient's health plan? Most health insurance companies offer multiple ways to find if a provider is in-network. To find the most accurate benefit information from your health plan, you can: Call their Customer Service department Check their website for their online provider directories If offered, check your online member portal.

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A Friendship Gone Viral  When a friendship is strong enough, it can survive just about anything – even a pandemic! Sterling Silver Club members and longtime friends, Marlene and Kim, are living and thriving proof of that.  Career & Community Cohorts  With successful careers in the Reno area and a common passion for community involvement, it’s no surprise the women knew of each other even before their friendship developed. The first time they actually worked together was in 2001 at TMWA (Truckee Meadows Water Authority), where Marlene’s company was brought on board to steer communications and Kim was heading up the then-new utility’s customer relations department. TMWA was where these colleagues became cohorts who have since become the best of friends.  Now retired, Kim’s favorite job these days is being a doting “Noni” to her two granddaughters who live nearby and who she keeps up with by staying active. Kim enjoys practicing yoga and loves to spend time walking and hiking in the great outdoors – with two enthusiastic dogs that are always ready to join her.  Marlene is still working and running her nearly 40-year-old public engagement and outreach company, GoodStanding. Her “fun and interesting” projects help to build community engagement for her clients and often focus on water resource management and conservation.  The Rotary Club of Reno, known as the “downtown club,” is also an important part of both women’s lives. Marlene was just the third woman to join the historically male organization in 1991 and made it her mission to recruit and sponsor female members – like Kim. Today, women make up nearly half of the membership and Marlene and Kim are both heavily involved in the club and its initiatives, including its scholarship program and community beautification projects along Riverside Drive.  A Friendly Q & A  To learn more about the friends and maintaining friendships in these socially distanced times, we asked them some questions.   What drew you to each other as friends?  Kim: Marlene’s honesty, integrity and ethics. Marlene always does what is best for her clients, no matter what.  Marlene: Kim and I communicate very well. It’s hard to explain, but sometimes we are both way ahead of our words. How would you describe each other in a single word? Marlene: Focused. Don’t put anything in front of Kim that you don’t want done, and done expertly. Also, helper. She thrives on helping people and working through their problems.  Kim: Creative! Marlene came up with many unique ideas to promote and publicize TMWA. And her house the most cozy spaces to sit and visit.  Do you have a favorite “That’s so her” moment to share? Kim: Burning Man! Marlene had friends with a camp at Burning Man and she invited me to join them for three days a number of years ago. We rode our bikes, admired the art and did our best to sleep through the techno music that played through the night. It was an amazing time.  Marlene: Kim’s involvement in Rotary’s Achievement Beyond Obstacles (a support and scholarship program for deserving local high school students). She has a heart for kids facing challenges, she is a great leader and she loves to help and make a difference.  How has COVID-19 affected your friendship, how have things changed and how have things stayed the same? Kim: We don’t see each other in person quite as much. However, Marlene has made sure that many of our girlfriends are able to stay in touch.  Marlene: I don’t take for granted we are going to see each other, so we plan it. I am the instigator of walks, socially distanced get-togethers in our green space and Zoom meetings. This new normal has also given me permission to stay home and work. Now, it’s OK to do some gardening or take a walk in the middle of the day. I suppose that’s one pleasant side effect of COVID-19.  Why did you become members of the Sterling Silver Club and why would you encourage others to join?  Kim: So many friends and family members had nothing but good things to say about Renown that I decided to switch providers. I also really liked what Renown was doing with the Healthy Nevada Project. So, when I saw the Sterling Silver Club, it seemed to me to be just another extension of all the good things Renown has to offer!  Marlene: This Club sounded interesting because it would allow me to focus more on my health with like-minded people in my age group. And, I’m with Kim, Healthy Nevada Project is very intriguing for how it could potentially improve health care for all of us.  What is the secret to a lasting friendship?  Kim: Have patience. Don’t take things personally. Be flexible. And just enjoy one another’s company. Marlene: Respect and grace, equally. We are not perfect and we are all different. So give your friends respect always, grace when they flub up and support when they need help.  Thanks to Kim and Marlene for being such generous collaborators and ambassadors of the Sterling Silver Club.  Friend Fun Fact:  Kim helped Marlene find her new house a few years ago – and more recently, a new dog! Marlene and “Levi” have been inseparable ever since.

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If Sterling Silver Club member Ann had an official motto, it would be, “I love to learn new things.” Ann has been a Reno resident for about 25 years after making her way to the Silver State from Arizona and before that, her birth state of Indiana. All along the way, she’s been growing, exploring and learning. Meet Ann From her days as a Girl Scout to her cherished roles as mother and grandmother and her time spent working for the federal government, Ann has enjoyed the adventures she’s had, the people she’s met and the learning opportunities that continue to be an important part of her life’s journey. “Learning never has to end,” Ann says wisely. Today, Ann lives a life full of learning — and giving. She is a member of the Osher Lifelong Learning Institute (OLLI) at UNR, which offers classes and events for people who are 50 and older. She has also been a foster grandparent for Seniors in Service and has tutored troubled teens at the Jan Evans Juvenile Detention Center and helped out at Title 1 schools. Volunteer Extraordinaire Her volunteer résumé continues with work for the Reno Police Department’s SAVE program through Retired Senior Volunteer Program (RSVP) for Sanford Center for Aging and time spent with VISTA for AmeriCorps, helping victims of domestic violence and refugees. And with her recent appearance in Ky’s Kab, a segment of Aging & Awesome — the popular 55+ show airing Saturdays at 7 p.m. on local CBS affiliate, KTVN Channel 2 — she’s a bit of a celebrity to boot! Through all of her experiences, Ann has learned something about herself and others. She looks forward to the new memories and friendships her latest membership to the Sterling Silver Club will bring. “I love being a member of the Sterling Silver Club because it’s another opportunity for me to grow, have fun, learn and socialize,” she says. And everyone at Renown is thrilled to help her do those things — and live a happy, healthy life. Please join us in welcoming Ann, one of our first members of the Sterling Silver Club. Today we have more than 2,800 members and we’re happy to be featuring members and getting to know you all along the way!

Read More About Meet Ann Sterling Silver Club Member

Whether watching a 4th of July celebration from her father’s boat on the Saint Johns River or sneaking a peek at a post-game display over Gator Bowl Stadium from her parents’ bedroom window, the fondest childhood memories of Sterling Silver Club featured member are of fireworks. “I love watching fireworks,” says Rhogenia. “And I get just as excited by them now as I did then.” Well, fireworks are certainly a fitting introduction to this Sterling Silver Club member who shines with a spectacular collection of accomplishments, adventures and interests. A Passion for Teaching Rhogenia remembers herself as a happy, carefree child “who read all the time” while growing up in Jacksonville, Florida with her younger sister, Rosemary, and her father and mother, who was a public school teacher. It’s easy to see how this natural enthusiasm for reading (and learning), along with her mother’s influence, would spark Rhogenia’s calling – and passion – for teaching. After earning her bachelor’s degree in education, Rhogenia spent the first 2 years of her career as a kindergarten teacher in a “one traffic light” town in her home state. She then moved to Oakland, California where she taught kindergarten and first grade classes at various schools for 4 years. The Biggest Little City in the World came next, and her stay there would last much longer. In Reno, Rhogenia added a master’s degree to her credits and found a home for her teaching career at Grace Warner Elementary School – where she taught first and second grade for 20 years! During that time, she also took on the additional role of adjunct professor, teaching graduate students for the University of Phoenix, College of Education.   “A great teacher never stops learning,” explains Rhogenia. “I believe the art of teaching is the act of facilitating discovery, for students and also for myself.” In recognition of her efforts, Rhogenia received the Reno Gazette Journal’s Best of Education Award, the Washoe County Teachers Association Distinguished Performance Award, and was also awarded a grant from Learn and Serve America to help her support student programs that gave back to the community. Rhogenia’s favorite quote: “One hundred years from now it will not matter what my bank account was, the sort of house I lived in, or the kind of car I drove. But the world may be a little better, because I was important in the life of a child.” – Adapted from an essay by Forest Witcraft Commissions, Councils & Space Camp Life outside the classroom also kept Rhogenia busy – and inspired – throughout her career. In 1998, she was selected to participate in an educator externship, and in 1999, was chosen to be a teacher consultant to the Alliance Summer Geography Institute. These opportunities allowed Rhogenia to return to her students with exciting lessons to share about different types of industries and the importance of geography, respectively. In 2002, the governor appointed her commissioner for the state of Nevada’s Commission on Professional Standards in Education. And Rhogenia followed that up with an appointment to the National Council for Accreditation of Teacher Education in 2004. She also got to travel. Rhogenia was one of two teachers from Nevada chosen to participate in the Japan Fulbright Memorial Fund Teacher program on its 50th anniversary. Originally established in 1946 to foster mutual understanding between the U.S. and Japan, the trip allowed Rhogenia to represent her state, her country and her race to Japanese dignitaries, business people and students alike. For over three weeks, she toured schools, universities, factories, temples, art galleries and museums, and stayed in the home of a Japanese family for a few days – which she calls the highlight of her trip.  Oh, and then there was the time she went to space camp! The Nevada Teacher in Space Program sent Rhogenia to join teachers from across the county at the out-of-this-world camp in Huntsville, Alabama. On “Team Endeavor,” she learned what it would be like to deliver payloads and perform experiments at the International Space Station, and took a seat in flight simulators and an antigravity chair. The goal of the program was to inspire teachers to help their students learn about the infinite possibilities of math and science. Time for What Matters These days, Rhogenia enjoys spending time on the things that matter most to her. Personally, that means diving into hobbies like genealogy, music, reading, writing, cooking and the occasional card or board game. She also continues to learn and broaden herself through Osher Life Long Institute (OLLI) classes and Retired Living Truth Series seminars. But her greatest joy comes from spending time with family – four generations of her own family, her church family, retired teachers from Warner Elementary and the many acquaintances and friends she’s come to know over the years. Other things worthy of Rhogenia’s time: Giving back to the community, rainbows, sunsets and sometimes, just watching the clouds roll by. Membership & Senior-ship What does Rhogenia think about being a Sterling Silver Club member and a senior? She told us. “Before COVID, it was the face-to-face club events that I liked most,” recalls Rhogenia. “At the Silver Stars Gala, I had such a wonderful time chatting with old and new friends… the fashions, decorations and the food were delightful.” Over the past year, she also found things to love about the club’s virtual events and regularly attends lectures, cooking and yoga classes and weekly meditation sessions – from her home! It Starts with Hello offers some of her favorite club events. “It reminds me of the television show, Cheers, where everybody knows your name!” she grins. “We meet at noon on Tuesdays and Thursdays. There are a variety of topics and guest speakers, and with the virtual events, I feel like the presenters are talking directly to me… I have the best seat in the house.” As far as being a senior goes, Rhogenia is living her best life and has some advice to help others do the same. “As a senior, I have the time to explore and take advantage of the many opportunities available out there,” she says. “I live life in the present and to the fullest. I make the most of each day because tomorrow, it will be the past.” Rhogenia feels that the biggest challenges for seniors today are health and isolation, and wants people to know there’s help if they need it. “Sometimes we need a little help to make everyday activities a little easier, or just need a person to talk with,” she explains. “My advice is never be too proud to ask for help with anything! Most people are glad to help or guide you to someone who will.” “Lastly, to seniors, I would like to say this: Love yourself and make peace with who you are and where you are at this moment in time,” Rhogenia continues. “And give yourself a big hug!” The Sterling Silver Club thanks Rhogenia for dazzling us with her story, her friendship and her collaboration – and we send her and all of our members a “BIG hug.”

Read More About Simply Spectacular Sterling Silver Member Rhogenia

Looking for the most delicious plant-based, protein-rich salad to add to your recipe repertoire? Look no further. We asked our registered dietitian, Caitlin Bus, with Renown Healthy Heart Program for the one recipe that all her class participants rave about. Caitlin’s popular recipe offers a bounty of fiber and protein. This dish is a showstopper because quinoa is a healthy grain. A cup contains 8 grams of protein and 5 grams of fiber, compared to 4 grams of protein and only 1 gram of fiber in a cup of white rice. With the perfect amount of citrus flavor combined with corn, bell pepper, and beans this dietitian approved quinoa salad will be a staple for all occasions. Enjoy!

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When it comes to purchasing a health insurance plan, you’ve probably heard of the two plan types, HMO and PPO, but what exactly do these terms mean, and what is an EPO? Let’s learn more about these plan types and how you can choose the plan that meets your needs. What is an HMO Plan? HMO stands for “Health Maintenance Organization.” HMO plans contract with doctors and hospitals creating a network to provide health services for members in a specific area at lower rates, while also meeting quality standards. HMO plans require you to select a primary care physician (PCP) and usually require a referral from your PCP to see a specialist or to have certain tests done. If you choose to see a provider outside of the HMO’s network, the plan will not cover those services and you will be responsible for all charges. What is an EPO Plan? An EPO means “Exclusive Provider Organization.” This plan provides members with the opportunity to choose in-network providers within a broader network and to visit specialists without a referral from their primary care doctor. EPO plans offer a larger network than an HMO plan and typically do not have the out-of-network benefits of PPO plans. Generally, EPO plans cost more than an HMO, but less than a PPO. What is a PPO Plan? PPO stands for “Preferred Provider Organization.” PPO plans are often more flexible when it comes to choosing a doctor or a hospital. These plans still include a network of providers, but there are fewer restrictions on the providers you choose. PPO plans do not require you to select a primary care physician (PCP), giving you a broader network of providers. So, which plan should you choose? Each plan type has different benefits, so it depends on your health needs when choosing the right plan type. If you are looking for flexibility when choosing providers and locations, a PPO plan may better fit your needs. An EPO plan may be a better option if you travel often and want the flexibility of a larger network, but don’t necessarily need out-of-network benefits. If you regularly seek care in a certain geographic area and are looking for a health insurance plan at a lower price point, consider an HMO plan. To keep costs low, insurance carriers contract with providers and partner in plan members’ health to ensure quality care at the lowest cost. Whether you choose an HMO, EPO or PPO option, partnering with your health insurance carrier and your healthcare provider will help you receive the best care while controlling your out-of-pocket costs.   Get the most out of your health insurance benefits! Established in 1988, Hometown Health is the insurance division of Renown Health and is northern Nevada’s largest and only locally-owned, not-for-profit insurance company providing wide-ranging medical coverage and great customer service to members.

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According to the Centers for Disease Control and Prevention (CDC), one out of four adults aged 65 or older, fall each year. But less than half of those who fall talk to their healthcare provider about it. What’s more, among older adults, falls are the leading cause of both fatal and nonfatal injuries. Senior Care Plus, a Medicare Advantage Plan by Hometown Health, and Renown Health Nurse Educator, Nicholas Mannering, worked together to provide a list with simple tips to help you prevent falls.  1. Exercise Exercise strengthens both your muscles and bones and improves balance which is a key factor to preventing falls. The stronger you are, the less likely you are to fall. And, if you do fall, you are less likely to be injured.   2. Vision Check Vision is an import part of fall prevention, have your eyes check by an eye doctor at least once a year. Update your vision prescription and replace your eyeglasses as needed.   3. Install Safety Equipment in Your Bathroom Installing grab bars in your home bathroom provides a way for you to help yourself in and out of challenging situations. It also provides support if you suddenly feel week or unstable. Having a grab bar to lean on or hold onto when you feel yourself falling or slipping can help prevent falls. Rubber mats eliminate slick surfaces that increase your risk of falling.   4. Helpful Items in Your Bedroom A light within reaching distance is an important item to have in your bedroom. One reason adults fall is because they wander through a dark room, often to get to the bathroom at night, and can’t see where they are walking. Having a light within reach that is quick and easy to turn on before walking around a room can make it safer and decrease your risk of falling. Having a bedroom that is organized and furnished in a way that is easy to navigate is also important. If your bedroom is cluttered and hard to walk around without tripping or running into things, it might be worth reorganizing the area to define a clear walking path.   5. Helpful Items in Your Living Room Similar to your bedroom, your living room should have a light that is easily accessible. Sofas with armrests are helpful for support when getting up and sitting down. Avoiding clutter in your walkways, rugs that are not secured down and unstable furniture are important to consider when preventing falls.   6. Actions to Avoid in Your Home There are other ways to fall besides slipping or tripping while walking. Never stand on chairs, boxes or other unstable items in your home. Walkways should be tidy and free of objects that you could trip on. Spills should be cleaned up right away to prevent slipping.   7. Wear Appropriate Footwear Wearing shoes with non-slip soles and closed toes can help prevent you from falling.  Having shoes that fit properly, are made from hard rubber (like tennis shoes) and provide good support help prevent tripping and falling. Shoes with a collar that support the ankle and a well-padded tongue for the top of your foot can also help prevent injury to your feet.   8. Review Your Health & Medications at your Annual Health Check-Up It is important to review your health and medications with your healthcare provider so they can assess if you are at risk for falls. You should discuss your vision, heart health and blood pressure at your annual health check-up. These things can play a role in the risk of falling. Reviewing your current medications is also important. If medications are making you dizzy, talk to your provider about adjusting the dosage so you can feel more stable and balanced. When talking to your doctor about medications be sure to include your vitamins and supplements. Finally, Have your healthcare provider check your feet and discuss proper footwear yearly.   9. Avoid Smoking and Alcohol Balance is important in preventing falls. Alcohol consumption negatively affects balance and increases your risk for falls and fractures. It also increases your risk for cancer, liver damage, osteoporosis, high blood pressure and strokes. Smoking is connected to frailty in older adults. It prevents the development of muscle tissue and breaks down healthy muscle tissue due to the lack of oxygen in your body.

Read More About Your 9-Step Guide to Prevent Falls